Wells Fargo Autograph

By Raquel Oliveira • 04/08/2025

This credit card is perfect for those who want many benefits and enjoy all related advantages.

The Wells Fargo Autograph Credit Card is a great choice for earning rewards on everyday spending. It provides 3X points on popular categories, making it easy to accumulate points just by using the card for your usual purchases.

With this card, you can earn 3X points on dining, travel, gas stations, and streaming services, which are expenses that many people already have. This makes it a practical and rewarding option for those who frequently spend in these categories.

One of the best aspects of this card is the lack of an annual fee, allowing you to keep all your rewards without paying extra just to maintain the card. This makes it a cost-effective way to earn points.

Whether you are dining out, booking a trip, or paying for your favorite streaming service, this card ensures that every dollar spent brings you closer to valuable rewards.

Earn 20,000 Bonus Points with the Wells Fargo Autograph

The Wells Fargo Autograph offers a great bonus: earn 20,000 points when you spend $1,000 in the first 3 months. 

That’s $200 in cash value! This bonus is perfect for anyone who can hit that spending target, and it’s easy to redeem. Whether you want to use it for travel, gift cards, or PayPal purchases, you have plenty of options. 

This is a nice head start, especially if you’re looking to build up your rewards quickly. If you’re planning to make regular purchases, this bonus could be a great way to make the most out of the card from the get-go.

Pros and Cons 

Every credit card has its good and bad points, and the Wells Fargo Autograph is no different. It offers a lot of benefits, but it’s important to think about the downsides, too. Here’s a quick look at what’s great and what could be better:

Pros

• No annual fee
• 3X points on categories like dining, travel, and gas
• No foreign transaction fees

Cons

• Higher APR after the intro period
• Fewer bonus categories than some other cards
• Less valuable redemption options compared to premium cards

How do I know If the Wells Fargo Autograph is the best credit card for me?

If you regularly spend on dining, travel, gas, and streaming services, this card is an excellent option because the 3X rewards help you earn points faster. Since many people have expenses in these categories, the card provides a real opportunity for valuable savings.

Additionally, the lack of an annual fee makes it a great choice for those who want a rewards card without extra costs. The 20,000-point welcome bonus is another strong incentive, providing $200 in rewards after meeting the initial spending requirement.

However, if you don’t frequently spend in the bonus categories, you may not benefit as much from this card. Those who carry a balance should also be cautious, as the high APR after the introductory period can make carrying debt expensive.

If you want a no-fee rewards card with generous bonus categories, the Wells Fargo Autograph Credit Card is a strong contender.

Why do we like the card?

The 3X points on dining, travel, gas, and other categories mean you’ll earn points quickly on things you already spend money on. Plus, the no foreign transaction fee makes it great for travel. 

The 0% intro APR for the first 12 months is also a big plus if you need to make a larger purchase and pay it off over time without extra interest.

The card also comes with extra benefits like cell phone protection and rental car insurance, so you get more value than just rewards points.